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Safeguarding assets is a number one priority for most people in Saint Paul, MN. With an umbrella insurance policy with Rising Star Insurance, you can enjoy extra protection over and above the existing limits of other insurance policies.
What Does an Umbrella Policy Cover?
An umbrella insurance policy protects you against significant liability claims that aren’t covered by other liability policies you have. An umbrella insurance policy will generally cover damage to property, injuries, and particular lawsuits.
While you might have other policies like homeowners insurance that cover some of those occurrences, it is vital to get umbrella insurance to cover you beyond the limits of those coverages.
An umbrella insurance policy doesn’t cover for:
- Deliberate or criminal actions leading to damage to other people
- Liability under a contract
- Business losses
Do You Need an Umbrella Insurance Policy?
Umbrella insurance can come in handy for everyone. That’s because everyone is prone to accidents. Umbrella insurance policies help to avoid paying a high cost to a person’s legal or medical bills if you’re found responsible.
Let’s put it into perspective. Suppose you’re found responsible after a visitor is injured while walking or playing in your yard. Umbrella insurance will cover the resulting costs up to the limits of your policy.
Your umbrella insurance policy can also extend to your children, spouse, and other relatives residing in your home. That means that you will have everything covered in case your teenage daughter causes an accident.
Get an Umbrella Policy Today
We’re in a world where anything can happen at any time. Your neighbors can sue you for anything, bringing about a significant financial burden. Even if you’re the most cautious person, you can end up being caught up on the wrong side of the law.
Are you seeking to find the most affordable insurance company in Saint Paul, MN? Check out Rising Star Insurance to stay protected.